Imagine someone who has no children and decides to either save for retirement using a Roth IRA or a traditional 401k exclusively. Could having a child and then receiving the child tax-credit affect whether using ROTH or traditional means is the lowest tax way of saving for retirement?
My intuition is that it won't, since the child tax credit seems pretty independent of anything else. However, I could be getting all of my federal tax money back in child tax credits and using a 401k as a mechanism to defer taxes until later. It seems odd to defer taxes when I'm really not paying any net taxes.